The quickest way to make changes to your account is by completing the request form, you can find this below. You only need your account number.
Complete a settlement request form.
We’ll email you with your settlement amount within 1 hour.
Choose the best Direct Debit date for you.
Complete a Direct Debit date form.
Please complete the contact us form.
We'll complete and/or respond to your request within 3-5 working days.
You can also make changes to your account via our automated telephone service. You’ll need your account or contract number which starts with 3.
Simply call 0371 512 1983* and select the option you need from below:
Option 1 – Get a settlement figure
We’ll email you back with a settlement figure within an hour. Our colleagues can’t give you a settlement figure over the phone.
Option 2 – Make a payment
Option 3 – Change your payment date
The quickest and easiest way to change your due date is to call our Customer Service number on 0371 512 1983* and select option 3 on the main menu, All you need to do then is choose the date that you wish to change to.
To make a payment using remote banking services offered by banks and building societies, please make a payment for:
Hire Purchase (HP)
Sort Code: 40-63-84 | Account Number: 8833 0015
Personal Contract Purchase (PCP)
Sort Code: 40-63-84 | Account Number: 8833 2017
Motor Loans (VAP Value Added Products)
Sort Code: 40-63-84 | Account Number: 8833 4019
Your contract number MUST be included as a reference to make sure we can identify your payment and link to the correct account.
You can settle your account by obtaining your settlement figure by calling our automated system and selecting option 1. The settlement will be sent to your email address within the hour and this is the quickest way of receiving it.
You can settle bank transfer. Remember to your use your contract number that is 8 digits long and starts with 3 as your reference.
Our bank payment options are:
Hire Purchase (HP)
Sort Code: 40-63-84 | Account Number: 8833 0015
Personal Contract Purchase (PCP)
Sort Code: 40-63-84 | Account Number: 8833 2017
Motor Loans (VAP Value Added Products)
Sort Code: 40-63-84 | Account Number: 8833 4019
Your contract number MUST be included as a reference to make sure we can identify your payment and link to the correct account. Please allow 5 working days for us to process your payment.
You can! Contact our Customer Service team on 0371 512 1983* and they'll be able to give you a quote based on the amount you wish to pay off your account and let you know what your new monthly direct debit payment will be. If you want to make a payment that is less than £2,OOO you'll be able to do this over the phone with our customer service team.
If the amount you wish to pay is £2,OOO or more then you'll need to make a payment by Bank Transfer. To make a Bank Transfer you'll need to use our bank details below to make your payment. When you make your bank transfer payment please use your agreement number as the payment reference.
Our bank payment options are:
Hire Purchase (HP)
Sort Code: 40-63-84 | Account Number: 8833 0015
Personal Contract Purchase (PCP)
Sort Code: 40-63-84 | Account Number: 8833 2017
Motor Loans (VAP Value Added Products)
Sort Code: 40-63-84 | Account Number: 8833 4019
Your payment will be deducted from your account after your next monthly direct debit is due. Your new direct debit amount will take effect the following month.
*Calls may be recorded - calls charged at basic rate. The number provided may be included as part of inclusive call minutes provided by your phone operator.
Not at the moment.
If your agreement number starts with 3 you can manage your account using our automated telephone service on 0371 512 1983*. You can hear your current balance, remaining term of your loan, request a settlement figure to be emailed to you, make a payment and change your direct debit date.
If you need to change any other details on your account such as your address or bank details, please email our customer service team on motorfinancecustomer@creation.co.uk and include details of the change you want to make and your agreement number which starts with 3. We'll complete your request within 3-5 working days and we'll notify you once it has been done.
Customer Services: 0371 512 1983*
Customer Support: 0371 512 1985*
Email: motorfinancecustomer@creation.co.uk
* Calls may be recorded. Calls charged at basic rate. The number provided may be included as part of any inclusive call minutes provided by your phone operator.
Once everything has been processed then we will automatically remove the record of finance against the vehicle within 72 hours from your payment clearing.
On the 11 January 2024 the Financial Conduct Authority announced their plan to investigate historical Discretionary Commission Arrangements within the motor finance industry. Discretionary Commission Arrangements allowed brokers (a person who arranges your motor finance, for example, your car dealer) to change the interest rate a motor finance provider offered to a customer, which may have led the customer to being overcharged. The Financial Conduct Authority banned this practice in January 2021.
In connection with this investigation the Financial Conduct Authority have stated that:
- They are pausing the 8-week deadline for motor finance companies to give a final response on Discretionary Commission Arrangement-related customer complaints where a vehicle was purchased with motor finance before 28 January 2021. The pause will last for 37 weeks (approximately 9 months) allowing the Financial Conduct Authority time to review the issue and decide what, if any, further action is required.
- Customers who are unhappy with the final response from their motor finance provider will also have up to 15 months to refer their complaint to the Financial Ombudsman, compared to the usual 6 months. This extension applies to complaints where the finance provider has already sent a final response in the period beginning 12 July 2023 and ending 10 January 2024, or where a final response is sent during the period beginning 11 January 2024 and ending 20 November 2024.
We support this investigation and will be working with the Financial Conduct Authority during this period.
Learn more about Discretionary Commission Arrangements and the Financial Conduct Authority’s review on their website.
If you need more information or have a complaint relating to a Discretionary Commission Arrangement, and your motor finance credit agreement was taken out before 28 January 2021, please head to our Customer Care page.
Our Customer Service and Customer Support lines are open from 8:30am — 5:30pm Monday to Friday.
Our automated services are available 24/7 so you can always change your date, make a payment and request a settlement figure whenever you wish to.
